@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');:root{--ink:#193c35;--green:#246849;--lime:#d9ef94;--cream:#f7f8f2;--muted:#65756d}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'DM Sans',sans-serif;color:var(--ink);background:var(--cream)}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,summary{outline-offset:5px}h1,h2,h3{font-family:Manrope,sans-serif;letter-spacing:-.045em}h1{font-size:clamp(42px,5.3vw,74px);line-height:1.08;margin:20px 0 26px;max-width:750px}h2{font-size:clamp(30px,3vw,44px);line-height:1.2;margin:10px 0 20px}h3{font-size:23px}p{line-height:1.7}.wrap{max-width:1200px;margin:auto;padding:0 32px}.preview{background:#193c35;color:white;text-align:center;font-size:12px;padding:9px 16px}header{background:var(--cream);border-bottom:1px solid #dfe5da}nav{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:94px}.brand{font:800 24px Manrope;letter-spacing:-1px;display:flex;align-items:center;gap:10px}.mark{display:grid;place-items:center;background:var(--green);color:var(--lime);border-radius:12px;width:37px;height:37px;font-size:26px}.links{display:flex;gap:24px;font-size:14px}.btn{display:inline-flex;justify-content:center;align-items:center;gap:12px;background:var(--green);color:white;border:0;border-radius:9px;padding:16px 23px;font-weight:700;cursor:pointer}.btn.light{background:var(--lime);color:var(--ink)}.btn.outline{background:transparent;border:1px solid #becabf;color:var(--ink)}.eyebrow{text-transform:uppercase;font-size:11px;letter-spacing:2px;font-weight:700;color:var(--green)}.hero{padding:68px 0 55px;display:grid;grid-template-columns:1.15fr .85fr;gap:65px;align-items:center}.hero p{font-size:18px;color:var(--muted);max-width:560px}.hero 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input{width:100%;border:0;background:none;color:var(--ink);font-size:23px;font-weight:700;min-width:0}input[type=range]{width:100%;accent-color:var(--green);margin-top:14px}.ends{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}.select{width:100%;padding:13px;border:1px solid #d9e2d5;border-radius:8px;background:white;color:var(--ink)}.result{background:#f0f5e8;padding:22px;border-radius:12px;margin:22px 0 16px}.result strong{font:800 40px Manrope;display:block}.result span{font-size:12px}.calculator .btn{width:100%}.strip{border-top:1px solid #dce3d7;border-bottom:1px solid #dce3d7;display:grid;grid-template-columns:repeat(3,1fr);padding:24px 0;gap:25px;font-size:14px}.strip b{display:block;margin-bottom:5px}.strip span{color:var(--muted);font-size:12px}section{padding:72px 0}.section-top{display:flex;align-items:end;justify-content:space-between;gap:25px;margin-bottom:30px}.section-top p{max-width:400px;color:var(--muted);font-size:14px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{padding:28px;border-radius:15px;border:1px solid #dbe3d6;background:white;display:flex;flex-direction:column}.icon{width:46px;height:46px;background:#eef3e7;border-radius:12px;display:grid;place-items:center;font-size:24px}.card p{color:var(--muted);font-size:14px}.card a{margin-top:auto;font-size:14px;font-weight:700;padding-top:18px;border-top:1px solid #e5ebdf}.dark{background:var(--ink);color:white}.dark .eyebrow{color:var(--lime)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:35px}.num{font:600 15px Manrope;color:var(--lime);border:1px solid #ffffff40;border-radius:50%;width:42px;height:42px;display:grid;place-items:center}.steps p{color:#c5d4cc;font-size:14px}.advisor{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:center}.advisor-art{min-height:350px;border-radius:18px;background:#e4ebd8;position:relative;display:grid;place-items:center;overflow:hidden}.advisor-art:before,.advisor-art:after{content:'';position:absolute;border:1px solid #afc29f;border-radius:50%;width:400px;height:400px;left:-200px;top:-100px}.advisor-art:after{left:auto;right:-210px;top:120px}.monogram{font:800 105px Manrope;color:#799c67}.contact-card{position:absolute;bottom:25px;left:25px;right:25px;padding:18px 20px;background:#ffffffea;border-radius:10px}.contact-card b{display:block}.contact-card span{font-size:12px;color:var(--muted)}.advisor p{color:var(--muted)}.facts{display:flex;gap:30px;padding:20px 0;margin-bottom:20px;border-top:1px solid #d3ddca}.facts b{display:block;font-size:14px}.facts span{font-size:12px;color:var(--muted)}.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}details{border-bottom:1px solid #d4decc;padding:20px 0}summary{font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:15px}summary:after{content:'+';font-size:22px;color:var(--green)}details[open] summary:after{content:'−'}details p{font-size:14px;color:var(--muted)}.cta{background:var(--lime);border-radius:18px;padding:45px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{margin:0 0 12px}.cta p{margin:0;font-size:14px}footer{padding:50px 0 24px;background:#fff;border-top:1px solid #e0e5db}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:50px}.footer-grid p,.footer-grid a{font-size:13px;color:var(--muted)}.footer-grid a{display:block;margin:12px 0}.legal{border-top:1px solid #e2e7dd;margin-top:35px;padding-top:22px;font-size:11px;color:var(--muted);line-height:1.7}.product-content{max-width:900px}.product-content ul{line-height:1.9;color:var(--muted)}.note{padding:18px;background:#edf3e5;border-radius:10px;font-size:14px}.inquiry{max-width:680px;background:white;padding:35px;border-radius:18px;border:1px solid #dbe3d6}.inquiry input{width:100%;padding:13px;border:1px solid #d9e2d5;border-radius:8px}.inquiry .row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.status{padding:15px;background:#edf3e5;border-radius:8px;margin-top:20px} @media(max-width:850px){.links{display:none}.hero{grid-template-columns:1fr;gap:30px;padding-top:40px}.cards,.steps{grid-template-columns:1fr}.advisor,.faq{grid-template-columns:1fr;gap:30px}.strip{gap:15px}.section-top{display:block}.footer-grid{grid-template-columns:1fr;gap:20px}.cta{display:block}.cta .btn{margin-top:25px}.wrap{padding:0 20px}.checks{flex-wrap:wrap;gap:12px}nav>.btn{font-size:12px;padding:12px}.brand{font-size:20px}section{padding:48px 0}}@media(max-width:480px){.strip{grid-template-columns:1fr}.inquiry .row{grid-template-columns:1fr}.calculator{padding:23px}.facts{flex-wrap:wrap}.cta{padding:28px}}
body{font-size:18px}.small{font-size:14px!important}.links{font-size:16px}button,input,select{min-height:48px}label{font-size:16px}.segment{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.segment button{background:#f0f4ea;border:1px solid #b5c6b0;border-radius:8px;color:#193c35;padding:9px;font-size:14px;cursor:pointer}.segment button.active{background:#193c35;color:#fff}.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.review-card{background:white;border:1px solid #d9e2d2;padding:22px;border-radius:12px}.review-card p{font-size:16px}.stars{color:#336442;font-size:22px}.rate-options{display:flex;gap:10px;flex-wrap:wrap}.rate-options label{margin:0;border:1px solid #b9cbb0;padding:12px;border-radius:8px}.rate-options input{width:auto;min-height:0}.inquiry textarea{width:100%;min-height:140px;border:1px solid #b9cbb0;border-radius:8px;font:inherit;padding:14px}.inquiry input[type=checkbox]{width:22px;min-height:22px}.inquiry small{display:block;font-size:14px}.nav-mobile{display:none}.review-card time{font-size:13px;color:#65756d}@media(max-width:850px){.reviews{grid-template-columns:1fr}.nav-mobile{display:block;padding:12px 20px}.nav-mobile summary{font-size:16px}.nav-mobile a{display:block;padding:12px}.segment{grid-template-columns:1fr}.hero{gap:24px}.hero h1{font-size:42px}.preview{font-size:13px}}
/* Readable calculator and mobile conversion path */
.skip-link{position:fixed;top:-80px;left:16px;z-index:100;background:#193c35;color:#fff;padding:15px;border-radius:8px}.skip-link:focus{top:12px}
:focus-visible{outline:3px solid #246849;outline-offset:4px}a.btn{min-height:48px}
.hero{gap:48px;padding-top:46px;align-items:start}.hero>div:first-child{padding-top:22px}.hero h1{font-size:clamp(42px,5vw,68px)}
.calculator{padding:26px}.calculator label{margin-top:18px}.calculator h3{font-size:25px}.calculator .small{font-size:15px!important;line-height:1.55}.calculator .result{margin-top:18px;padding:18px}.result span{font-size:15px;line-height:1.65}.result strong{font-size:42px}
.calculator input[type=range]{height:36px;min-height:36px;margin-top:4px;cursor:pointer}.ends{font-size:14px}.pill{font-size:13px}
.calc-error:empty{display:none}.calc-error{font-size:15px;line-height:1.4;color:#9d2222;background:#fff0ed;border-radius:6px;padding:10px;margin-bottom:0}
[aria-invalid=true]{outline:2px solid #a82b26}.btn[aria-disabled=true]{opacity:.65;cursor:not-allowed}
.calc-disclosure{padding:15px 0 0;border:0}.calc-disclosure summary{font-size:15px;min-height:44px;align-items:center}.calc-disclosure p{font-size:15px}
.card p,.card a,.steps p,.strip,.strip span,.facts span,details p,.footer-grid p,.footer-grid a{font-size:16px}.legal{font-size:14px}.eyebrow{font-size:12px}.section-top p{font-size:16px}
.quick-bar{display:none}.quick-bar[hidden]{display:none!important}
@media(max-width:850px){.hero{gap:26px}.hero>div:first-child{padding-top:0}.hero h1{font-size:42px}.hero .actions{margin:22px 0}.calculator{max-width:560px;width:100%;margin:auto}.segment{grid-template-columns:repeat(3,minmax(0,1fr))}.segment button{font-size:14px;padding:8px 4px;min-height:48px}.quick-bar{position:fixed;bottom:0;left:0;right:0;z-index:30;display:flex;align-items:center;justify-content:space-between;gap:12px;background:#fff;border-top:1px solid #b9cbb0;padding:12px 20px calc(12px + env(safe-area-inset-bottom));box-shadow:0 -8px 30px #193c3510}.quick-bar span{display:block;font-size:12px}.quick-bar strong{font-size:19px}.quick-bar .btn{font-size:16px;padding:13px 18px}body:has(.quick-bar){padding-bottom:92px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* Direct income links in the primary navigation */
@media(min-width:1101px){header nav{display:grid;grid-template-columns:1fr auto;gap:0;min-height:0}header nav>.brand{grid-column:1;grid-row:1;min-height:76px}nav>.btn{grid-column:2;grid-row:1}.links{grid-column:1/-1;grid-row:2;border-top:1px solid #dfe5da;justify-content:space-between;gap:18px;padding:15px 0;font-size:16px}.links a{display:flex;align-items:center;min-height:28px}.links a:hover{text-decoration:underline;text-underline-offset:6px}}
@media(min-width:851px)and(max-width:1100px){.links{display:none}.nav-mobile{display:block;padding:12px 32px}.nav-mobile summary{font-size:16px}.nav-mobile a{display:block;padding:12px}}

/* Two-step employment enquiry */
.form-progress{list-style:none;padding:0;margin:28px 0 16px;display:flex;gap:20px;border-bottom:1px solid #dce5d5;padding-bottom:18px}.form-progress[hidden]{display:none}.form-progress li{display:flex;align-items:center;gap:8px;font-size:16px;color:#65756d}.form-progress li span{display:grid;place-items:center;flex:none;width:30px;height:30px;border-radius:50%;background:#edf3e5;color:#193c35}.form-progress [aria-current=step]{color:#193c35;font-weight:700}.form-progress [aria-current=step] span{background:#246849;color:white}.form-step{border:0;margin:0;padding:0;min-width:0}.form-step[hidden]{display:none!important}.form-step legend{font:700 23px Manrope,sans-serif;margin:8px 0 4px;max-width:100%}.form-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.form-actions .btn{flex:1;min-width:160px}.income-field{display:flex;align-items:center;border:1px solid #d9e2d5;border-radius:8px;padding-right:14px}.income-field input{border:0;min-width:0;background:transparent}.income-field:focus-within{outline:3px solid #246849;outline-offset:3px}.income-field input:focus-visible{outline:none}.inquiry small{color:#65756d;line-height:1.5;margin-top:7px}.form-preview-note{font-size:15px;line-height:1.6}.form-step .row{align-items:start}.form-step .select{min-height:50px}#inquiryHeading{font-size:clamp(36px,4.5vw,60px);max-width:900px}#selectedLoan{max-width:680px}#inquiryIntro{max-width:680px}@media(max-width:600px){.inquiry{padding:24px}.form-progress{gap:12px}.form-progress li{font-size:14px;align-items:start}.form-progress li span{width:25px;height:25px}.form-actions{flex-direction:column}.form-actions .btn{width:100%}.inquiry .row{grid-template-columns:1fr;gap:0}.form-step legend{font-size:21px}}

.form-progress{gap:14px}.form-progress li{flex:1;font-size:15px}.preview-consent{display:flex;align-items:flex-start;gap:12px;line-height:1.5;font-weight:400}.preview-consent input{flex:none;margin-top:4px}.document-fields{margin-top:22px}.document-fields input[type=file]{font-size:15px;max-width:100%;background:#f7f8f2}.form-step input[type=date]{min-width:0;max-width:100%;min-height:50px}@media(max-width:600px){.form-progress{gap:9px}.form-progress li{font-size:12px;flex-direction:column;gap:6px}.form-progress li span{width:28px;height:28px}}

.document-fields{padding:22px 0 0}.document-fields h3{font-size:23px;line-height:1.35}.document-card{padding:20px;margin-top:15px;border:1px solid #d7e1ce;border-radius:12px;background:#fbfcf8}.document-card h4{font-size:18px;line-height:1.4;margin:0 0 8px}.document-card p{margin:8px 0 14px}.document-actions{display:flex;gap:10px;flex-wrap:wrap}.document-actions .btn{font-size:15px;min-height:48px;padding:12px 14px}.document-status{font-size:14px;line-height:1.5;overflow-wrap:anywhere;color:#246849}.document-help{background:#edf3e5;border-radius:12px;padding:20px;margin-top:20px}.document-help p{font-size:16px;line-height:1.6;margin:8px 0 15px}.inquiry input[type=file][hidden]{display:none!important}@media(max-width:600px){.document-actions{flex-direction:column}.document-actions .btn{width:100%}.document-card{padding:16px}}

.income-history{margin:24px 0}.income-history h3{margin-bottom:8px}.income-months{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.income-months input{min-width:0;width:100%}@media(max-width:700px){.income-months{grid-template-columns:1fr}}

.advisor-photo{min-height:0;aspect-ratio:4/5;display:block}.advisor-photo:before,.advisor-photo:after{display:none}.advisor-photo>img{display:block;width:100%;height:100%;object-fit:cover}.advisor-photo .contact-card{z-index:1}

.supplied-reviews{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:28px 0}.client-review{margin:0;padding:26px;background:#fff;border:1px solid #dfe5da;border-radius:18px}.client-review blockquote{margin:0 0 20px;font-size:18px;line-height:1.65}.client-review figcaption{font-size:14px;color:#52655b;font-weight:600}@media(max-width:900px){.supplied-reviews{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:600px){.supplied-reviews{grid-template-columns:1fr}}

.hero-advisor{display:flex;align-items:center;gap:18px;margin:24px 0}.hero-advisor>img{flex:none;width:112px;height:112px;object-fit:cover;object-position:50% 24%;border-radius:50%;border:3px solid #fff;box-shadow:0 0 0 1px #dfe5da}.hero-advisor>div{display:grid;gap:5px}.hero-advisor strong{font:800 23px Manrope,sans-serif}.hero-advisor span{font-size:16px;color:#52655b}.hero-advisor a{display:inline-flex;align-items:center;min-height:44px;font-weight:700;text-decoration:underline;text-underline-offset:4px}.hero .hero-advisor+.actions{margin:20px 0}@media(max-width:850px){.hero-advisor{gap:14px;margin:18px 0}.hero-advisor>img{width:76px;height:76px}.hero-advisor strong{font-size:20px}.hero-advisor span{font-size:15px}.hero h1{font-size:clamp(32px,7vw,42px);margin:14px 0 16px}.hero>div:first-child>p{font-size:16px;margin:0}.hero .hero-advisor+.actions{margin:16px 0}.hero .checks{font-size:14px}}